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In response to "offs -- nm" by znufrii

It's a great idea, imo.

Posted by Inigo (aka Inigo) Oct 30 '13, 12:09

If it passed, it would keep a lot of people happy, and keep a promise as well.

I'm all for that mandate. But if someone wants to keep an old policy, or a bare-bones old policy like they were told they could, they should be able to.

We allow basic auto insurance. We should also allow basic health insurance.

Responses:

I don't think we should allow basic health insurance. The point of the system (and the way it works) is to bring everyone to minimum standards. - ty97 Oct 30, 12:23 17
- I really don't think that will help. - Inigo Oct 30, 12:27 11
  - For now, yes. Watch the penalty increase dramatically over the next few years. -- nm - Strongbad Oct 30, 12:29 10
    - [deleted] 6
      - Don't forget that a meaningful number of them get the benefit of now being able to stay covered under parents' plan until they're 26. That ropes in a - pmb Oct 30, 12:41
      - I would argue that the 'fatal flaw' would have been not including the penalties -- nm - ty97 Oct 30, 12:32 4
        
        [deleted] 3
        
        In three years, the penalty is $2085 for anyone making 83,400 or higher. That's pretty high. -- nm - ty97 Oct 30, 12:36 2
        
        [deleted]
        
        'per person' - it'll get real expense real quick for families -- nm - decline Oct 30, 12:37
    - $325 in 2015, $695 in 2016 -- nm - Dr.Vermin Oct 30, 12:30 2
      - It's actually between 95 and 285 for 2014 (based on income) and between 695 and 2085 for 2016 (based on income) - ty97 Oct 30, 12:31 1
        
        Ah, thanks! -- nm - Dr.Vermin Oct 30, 12:35
- Exactly. The bare bones policies are fig leaves. They give you the illusion of coverage and when you need that coverage, it's nonexistent. -- nm - TWuG Oct 30, 12:27 4
  - People are shockingly unaware of what their health insurance coverage provides. - Kim Pine Oct 30, 12:29 3
    - It leads to bankruptcies and death. -- nm - TWuG Oct 30, 12:29 2
      - Kim and I have spent $50k on medical bills over the past 8 years. I shudder to think about where we would have been without insurance. -- nm - David Oct 30, 12:33
      - I had to leave show business becasue my "insurer" refused to pay for rehab visits after my ACL surgery. -- nm - Diva Oct 30, 12:31
I was under the impression that there's already a grandfather clause in place for non-compliant plans - znufrii Oct 30, 12:14 16
- There's substantial turnover in plans that would remove them from the grandfathering - Will Hunting Oct 30, 12:22 5
  - Eh. IMO they knew that there was a substantial turnover in plans and terms, and they set rules that allowed for people to keep grandfathered plans. - pmb Oct 30, 12:27 4
    - 7 to 12 million people getting cancellation notices is not a blip. -- nm - Inigo Oct 30, 12:29 3
      - They didn't meet the criteria and/or the private insurers decided to change the plans. That happened with regularity before the ACA too. This is not - pmb Oct 30, 12:33 2
        
        Well, sure. The difference here is that the ACA is causing these plans to go away. Which wasn't supposed to happen. -- nm - Inigo Oct 30, 12:42 1
        
        But it really was in ways that people aren't recognizing. The plans changed. Coverages changed. Costs changed. People thought they had the same - pmb Oct 30, 12:45
- This explains it. I guess you haven't been paying attention to the threads you're commenting in? -- (link) - Inigo Oct 30, 12:20 9
  - except, that only seems to confirm my understanding. - znufrii Oct 30, 12:28 8
    - That's not really what it says. - Inigo Oct 30, 12:33 6
      - where in that article does it say they *can't* be grandfathered? - znufrii Oct 30, 12:34 5
        
        Because the policy didn't exist before 2010. -- nm - Inigo Oct 30, 12:35 4
        
        we're talking about plans, not policies. I think you may be confusing the two, though I'm by no means an expert - znufrii Oct 30, 12:42
        
        My understanding (though I admit the limited nature of my knowledge on this) is that if you were continuing the same plan it was grandfathered. - pmb Oct 30, 12:40 2
        
        yeah, from my experience very few plans remain unchanged year-over-year -- nm - decline Oct 30, 12:41 1
        
        I agree. -- nm - Strongbad Oct 30, 12:41
    - so how would this grandfathering plan differ from the one already in place? -- nm - znufrii Oct 30, 12:29

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It's a great idea, imo.

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